I’m so excited to introduce my new book to you…


I personally love this book! 28 tables, a ton of links, some other images and, most importantly, all around optimism that gets overlooked elsewhere.

I don’t want to sound Pollyannaish but, come on, there is so much GOOD NEWS out here there is no excuse for the masses not to at least hear it.

Everyone focuses on the negative. You see it all the time. You want negativity? There is enough doom and gloom to last a millennium. In fact, on my walk yesterday I watched this video. “Why Everything Will Collapse”.  If you want to know the mind of the doom and gloom types, just read the comments. It’s an exercise in complete and utter hopelessness. Crazy!

But a video titled “Why Everything Will Collapse” will get tons more clicks than one titled “Everything is Awesome” (to quote a song from that intellectual masterpiece…”The Lego Movie”).

Negativity towards the future is part of human nature. It’s fear of the unknown. The interesting thing is being positive to the past is ALSO part of human nature. In fact, according to the good folks at Wikipedia, “The Pollyanna principle was described by Margaret Matlin and David Stang in 1978 using the archetype of Pollyanna more specifically as a psychological principle which portrays the positive bias people have when thinking of the past.”

When I was a kid, my mom had a picture hanging on the wall in the kitchen that said “Remember how simple life used to be.” It was a drawing of a young girl with pigtails, probably 6 years old, in the foreground with rolling hills and farms in the back. Very tranquil.

The problem, of course, is that life was NOT simple back then. Not for those living then. It’s a FALSE image! Don’t believe me? Read this book “Days on the Family Farm” by Carrier Meyer. Or this book “Brilliant” from Jane Brox.

Only someone basking in the luxuries of the modern, Western world would ever romanticize the past for its “simplicity.”

Negativity towards the future and reverence for the past is seen for numerous other issues too. Climate change, political environment, my own thinking for the likelihood of the Bruins winning the Stanley Cup, or Pats winning the Super Bowl. I don’t know what’s going to happen thus I choose to think it’s going to be bad. Just the way we are made.

But what if the evidence is overwhelming in one direction; Towards the positive? That the future is going to be fantastic? The evidence IS there! It’s available for all those who wish to see. But, as is human nature, we will say “that’s great but what if…?”

No, you are NOT likely to go bankrupt due to health care costs. “Yeah, you’re probably right, Josh. But what if I am one of the few who do?”

No, you are NOT likely to eat cat food in retirement. “I’m sure you’re right, Josh, but some people do struggle. I don’t want to be one of them.”

No, the Communist hordes (or Putin) are not likely to take over America. “Yeah, Josh, I get it. But…you just never know…”

I’m not going to argue against being prepared. Heck, I’m a prepper! I’ve got a battery bank, with multiple deep cycle, marine batteries hooked in series, with inverters of every wattage capacity. I have a couple water catcher systems. I try to grow my own veggies. I even have a PV panel or two. And obviously, I keep a month’s supply of freeze dried food in the basement with water too.

Being prepared is just common sense. But just because you prepare doesn’t mean you should ignore the evidence towards the positive stuff in your life. And that is why I wrote this book. I present “the other side.” The side that doesn’t nearly get discussed enough. The side, well I hate to say it, but many in the financial services industry don’t want you to hear.

Why? Because they want you to continue to capitulate to their fear propaganda. It’s how they get paid! The whole financial services industry was built on the accumulation of financial products. But now, as we transition, to the DECUMULATION phase, i.e., the spending phase, they know what that means. Less assets to manage, less profits to be had.

A million dollars at 1% fee generates $10,000 in fees. However, a client who is spending those assets down to fund retirement inherently is reducing the value of the account and thus reducing the fees generated. No rocket science there.

So, how do we in the financial services industry maintain the fees we’ve grown accustomed to? Well, think about it. Scare people into saving MORE and retiring later, so they don’t spend down their assets so soon. And in fact, because they work longer, they probably won’t spend down their assets much at all. They’ll die well before they do!

And then those assets will be left to the kids, who are still in accumulation phase and will thus allow the assets to continue to grow..and continue to pay fees.

It’s a genius plan, don’t get me wrong. And I’m not saying there’s this major conspiracy among financial services firms to scare the general population. But they all read the same trade rags, all go to the same conferences, all watch the same financial doomsayers on TV, thus they all speak from the same script.

I, for one, grow weary of it. Especially with my own anecdotal evidence as a financial planner for over 20 years. Plus, the research that IS OUT THERE as well. And it’s that research and my own experience which I share in this book.

Now, if you do decide to purchase this book, may I suggest purchasing the Kindle version as I’ve yet to see the paperback. I’m waiting on my author copy to examine. And while it looked great on the Amazon preview, I don’t know what the final result will be via the paperback.

The Kindle looks great though. I did buy a copy to view on my phone and my Kindle. All systems go there. And with the huge amount of links I provide you can quickly click on the links via the book to take you directly to the various pages I link to.

Finally, if you do buy it, a review is HUGELY HELPFUL!!! I can not stress this enough. Reviews are the main thing that drives the book to higher rankings on the Amazon search. So, please give it a positive review if you would

Negative reviews? Well, send those to me directly. Negative reviews do hurt. Unlike on Youtube where ANY interaction helps. Not the same thing on Amazon. Not at all.

© Copyright 2018 Heritage Wealth Planning